Real estate investment property

Owner-occupied apartments

A smaller nest egg is needed to buy an owner-occupied apartment than a house. However, the owner only acquires part of the block and has to liaise with the other owners when decisions need to be made. What is more, monthly payments must be made into a sinking fund for maintenance and it takes time to find solvent tenants.

Detached/semi-detached houses

If you invest in a detached or semi-detached house, you will be the sole owner. As the financial commitment is higher than for owner-occupied apartments and a good location is particularly important, you need to have a larger budget.

Commercial properties

Commercial properties such as offices, shopping centres or multi-storey car parks are a long-term investment, particularly in urban areas. A carefully considered, transparent concept is recommended to minimise the significant business risk associated with commercial properties.

Care properties

The demographic change taking place throughout Europe is also making itself felt in Switzerland – and among investment properties. Most people have never considered this form of investment, but care properties have many advantages. They include apartments in sheltered housing developments, retirement or nursing homes, etc. The care or support provided on site enables residents to remain largely independent but receive immediate assistance if they need it.

Property investment funds

Funds are an indirect means of investing in property. They allow even relatively small amounts to be invested profitably. Investors share in the fund’s performance and benefit from the portfolio of properties without having to buy them. However, they have to rely on the fund managers’ expertise.

Property crowdfunding

With crowdfunding, the latest digital means of investing in property, a large number of people each put a small amount towards purchasing a property. Via crowdfunding platforms, individuals with a limited budget can join forces with many other investors to acquire a stake in properties which they would not otherwise be able to afford. Another advantage is that risk is spread across a large group and attractive rates of interest are paid on the capital provided.